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6 years on credit file?
is it 6 years from when you are declared br or when you are discharged? cheers
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Trustee appointed - what happens now?
I've received a letter today from the OR saying that a trustee has been appointed for my estate to deal with the selling of my assets. The letter also states that if I have entered into an IPO or IPA I need to discuss this with the trustee, and that any further questions about my affairs will be dealt with by the trustee.…
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New Bankruptcy date!!!
Hi everyone, Just want to update... Just had a phonecall from court regarding the indiustrial action on Wednesday (the day me and OH were due to be BR) the lovely lady has squeezed us in for March 25th now, only a day later! I am so so relieved cos it means we get it all over done with much quicker AND we escape the…
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Tax Rebate whilst undischarged BR
I went Bankrupt on 10/12/2009 and I am currently getting my accounts ready for the end of my tax year as I am Self Employed. I have worked out that I am looking at a rebate of nearly £400. Will I get the rebate and have to declare it to the OR or will they receive it directly? I am not trying to be greedy but with my work…
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Not tecnically bankrupt
Hi, I have a question which isn't directly bankruptcy but is about my wife to be, being blacklisted. Sorry it is on this forum but i thought it was the closest to the subject! She had a house with her ex partner and after leaving him, and the house, he fell behind with payments and the property was eventually repossessed.…
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Exact numbers or round to nearest £?
More questions :D . Just checking my form and had a looked at the guidance notes incase i missed something and realised it states "Give all amounts in the Statement of Affairs to the nearest £. No pence to be shown". Does that apply to ALL the figures i need to enter on my form, i.e creditors, assests, outgoings and my…
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bankruptcy date
Hi I thought my bankruptcy was on the 29th but it is the 31st March. My CAB advisor has managed to get them to fit me in even though they were full up. She has advised me to get there at 8.30 and warned me that I will be there for hours. It is at Manchester county court has anyone been there? On the 26th March I have to…
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About to marry someone who is in debt - issues ?
Hi, My girlfriend has credit card debts totaling about 13K. She works with her father (who is 74), but takes no income as the business isnt doing very well. She doesnt want to get another job as her father cannot cope on his own all day. We are about to get married in the summer, and i have a couple of questions in case…
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Joint overdraft and repercussions for my wife
When I went bankrupt in the winter of 2008, my wife and I had an overdrawn joint bank account. As we were joint and severally liable, this wasn't written off by my bankruptcy and repayment was demanded. My wife agreed a reduced settlement of £4000 (on a £5000 debt) and paid that in March last year. We've just checked both…
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Financial associations????
Does adding someone to your credit card as an additional card holder act to form a financial association with that person? Also if that person were an undischarged Br would that be breaking any Br restrictions? Much obliged for any answers given Robbie
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BR & me
Hi Ive spent some time now reading and re reading a ton of information on these forrums all of which has been very usefull and I am more and more leaning towards BR. Whilst it is all pretty scary after so much reading the one thing that actually scares me most now is going down this route and the OR deeming it wrong or…
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Going Bankrupt?
just a quick question, i am now on jobseekeres allowance after losing my job and cannot afford the bankruptcy fee, do i get any help with this as i am on benefits or would i have to find a way to raise the money myself? thanks :)
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Northern Rock & Voluntary Repossesion
Hi All, Wonder if any one has any thoughts or experiences of the same situation. Hubby & I went BR in Aug last year, and moved out of our mortgaged property and are now happily renting. The 6 month period for us not paying Council tax on the vacant property has now ended and we are liable for paying both that and buildings…
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So upset
I have still not paid anything into my IPA that was due to start in Jan as it has been changed constantly! started offf at £200 per month then dropped to £179 per month then was asked to fill in form forearly discharge did this and was asked to send proof of my tax credits which i did this & now because of "provisional…
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income and expenditure form is this ok??
Income partners wage.... £880 Housing benefit....£237.28 Council tax benefit....£14.24 Total Income.... £1,131.52p Outgoings per month Rent.... £415 Council tax.... £89 Food....£140 Gas....£40 (paying of arrears) electric.....£30 water....£20 Tv licence.....£20 Car insurance.....£54 Fuel......£70 phone......£60 (2x…
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PLEASE HELP......I can't do this anymore
I don't even know what to write on here, I'm in such a mess. I have ended up off work with depression and I am feeling worse by the day. I have so much debt, I know my only opton is bankruptcy but I am so scared. I am a single mum with 3 children, I have so many questions, I don't know what to ask 1st. I havent paid…
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What to do next?
Hi All, Just need some advice from people who have lived through the same problems I have now. Bankruptcy looks imminent I have just offered my biggest creditor £4k to clear the debt and advised if they do not accept we will have absolutly no option but to go bankrupt and they will get nothing due to the money we are…
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filling in the forms help!!!!!
hi guys i really need some help i got my date this friday im sooo scared already and its only monday . im just going over my forms where it says list of creditors and what the money was used for shall i be honest and say clothes, mobile, christmas shoppin etc?? also..... i have a loan with hfc for a 42" tv i owe £800 on…
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unsecured and secured loans does it matter?
Hi, Does anyone know if you only can have unsecured debt to go bankcrupt, as myself and OH have 5000 unsecured but 22000 secured against house which we are moving out from and giving up on long story. I was just unsure if could go bankcrupt before house gets taken and sold as secured loan attached, as i would really like…
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Remove defaulted account off my credit file?
Hi all, so I went bankrupt in 2004 and have been struggling to get credit all the time since! I've since got a vanquis card, usual shenanigans but still cannot get much else! So I've just checked my credit report and it says that I have a default on my file for a hire purchase agreement which was the cause of my bankruptcy…
